Champaign, IL Auto Insurance Rates
Champaign, IL residents can save $350 by comparing multiple quotes & reading reviews & research on Champaign car insurance rates, quotes, agents & coverage.
| Lowest | Average | Highest |
|---|---|---|
| $636 | $869 | $1195 |
Latest Auto Insurance Reviews in Champaign, Illinois
State Farm
I haven't compared auto insurance prices in several years, so I'm not sure about the cost of premium and deductible for our policy.The quote she gave us was much less than the amount
I haven't compared auto insurance prices in several years, so I'm not sure about the cost of premium and deductible for our policy.The quote she gave us was much less than the amount
Allstate
I am currently still under my parents car insurance for allstate so I cannot speak on behalf, but I write a check everytime and their prices are extremely high.
I am currently still under my parents car insurance for allstate so I cannot speak on behalf, but I write a check everytime and their prices are extremely high.
Allstate
Keeper and name placed in your mind. Those are the light brands that always come to mind. Willing to protect and make stand on there insurance.
Keeper and name placed in your mind. Those are the light brands that always come to mind. Willing to protect and make stand on there insurance.
State Farm
I don't know all the options that are available, but I do know the coverage I have is solid. It also is not too expensive so it is not a burden.
I don't know all the options that are available, but I do know the coverage I have is solid. It also is not too expensive so it is not a burden.
National General
The customer service has been great. We even signed up for coverage over the phone.It was a smooth and very easy process.
The customer service has been great. We even signed up for coverage over the phone.It was a smooth and very easy process.
Aaa
Compared to others I know that AAA has excellent customer service and an excellent ability to help with any questions I have. Other insurance companies may have lower rates but if I ever had to use them I think it would be much more difficult.
Compared to others I know that AAA has excellent customer service and an excellent ability to help with any questions I have. Other insurance companies may have lower rates but if I ever had to use them I think it would be much more difficult.
Aaa
Compared to others I know that AAA has excellent customer service and an excellent ability to help with any questions I have. Other insurance companies may have lower rates but if I ever had to use them I think it would be much more difficult.
Compared to others I know that AAA has excellent customer service and an excellent ability to help with any questions I have. Other insurance companies may have lower rates but if I ever had to use them I think it would be much more difficult.
Fred Loya Insurance
I have an older car, so Fred Loya provides liability insurance that seems to be cheaper then the other providers in my area. I would rate them a 5.
I have an older car, so Fred Loya provides liability insurance that seems to be cheaper then the other providers in my area. I would rate them a 5.
Progressive
Progressive allowed us to fully customize our auto insurance needs and then bundled that with all our other insurance needs..
Progressive allowed us to fully customize our auto insurance needs and then bundled that with all our other insurance needs..
21st Century Auto Insurance
The customer service representatives are friendly and straightforward. They have helped me solve several issues easily. They also call well before my policy is up to see if I would like to renew.
The customer service representatives are friendly and straightforward. They have helped me solve several issues easily. They also call well before my policy is up to see if I would like to renew.
Horace Mann
The fact that there is no break for individuals that have been in an accident is really discouraging at times, there is no financial break at all and the insurance keeps going up due to the state I am in
The fact that there is no break for individuals that have been in an accident is really discouraging at times, there is no financial break at all and the insurance keeps going up due to the state I am in
The General Auto Insurance
I have good coverage and I also have cheap payments
I have good coverage and I also have cheap payments
California Casualty, Champaign, IL
$49/1 month
Car Insurance Policy Holder
- Married 33 Years old Male licensed 13 years ago with Own Ford Explorer Limited used for Business with estimated annual mileage of 15,001 - 20,000.
- bachelors degree & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
- 20 K Property Damage
- 25 K Personal Injury Protection
- 20 K Uninsured Motorists Bodily Injury
- 40 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Champaign, IL
$55/1 month
Car Insurance Policy Holder
- Single 20 Years old Male licensed 3 years ago with Own GMC Sierra 1500 Work Truck used for Business with estimated annual mileage of 12,001 - 15,000.
- Bachelors, pursuing Graduate Degree & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
- 15 K Property Damage
- 50 K Personal Injury Protection
- 20 K Uninsured Motorists Bodily Injury
- 40 K Uninsured Motorists Property Damage
Erie Insurance Group, Champaign, IL
$60/1 month
Car Insurance Policy Holder
- Married 31 Years old Male licensed 16 years ago with Financed Porsche, 911 Carrera, 2 Door Cabriolet used for Business with estimated annual mileage of 12,001 - 15,000.
- Associate & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
- 15 K Property Damage
- 25 K Personal Injury Protection
- 20 K Uninsured Motorists Bodily Injury
- 40 K Uninsured Motorists Property Damage
Chubb Group Of Insurance, Champaign, IL
$616/12 months
Car Insurance Policy Holder
- Married 34 Years old Male licensed 14 years ago with Financed Chrysler, 200 Limited, 4 Door Sedan used for Business with estimated annual mileage of 15,001 - 20,000.
- Vocational & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $500K (Per Person Bodily Injury) / $500K (Per Accident Bodily Injury)
- 15 K Property Damage
- 300 K Personal Injury Protection
- 20 K Uninsured Motorists Bodily Injury
- 40 K Uninsured Motorists Property Damage
Allstate Auto Insurance, Champaign, IL
$864/12 months
Car Insurance Policy Holder
- Single 22 Years old Male licensed 6 years ago with Own Chevrolet, Corvette GS, 2 Door Convertible used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
- High School & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 25 K Property Damage
- 50 K Personal Injury Protection
- 20 K Uninsured Motorists Bodily Injury
- 40 K Uninsured Motorists Property Damage
American Family Insurance, Champaign, IL
$567/12 months
Car Insurance Policy Holder
- Divorced 37 Years old Male licensed 4 years ago with Leased Kia, Sportage EX, 2WD 4 Door Utility used for Commute to Work or School with estimated annual mileage of 20,001+.
- Vocational & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 2 cars insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 20 K Uninsured Motorists Bodily Injury
- 40 K Uninsured Motorists Property Damage
21st Century Insurance, Champaign, IL
$1211/12 months
Car Insurance Policy Holder
- Single 18 Years old Female licensed 2 years ago with Own Mazda, Mazda3s Grand Touring, 5 Door Hatchback used for Commute to Work or School with estimated annual mileage of 20,001+.
- Less than High School & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
- 15 K Property Damage
- 100 K Personal Injury Protection
- 20 K Uninsured Motorists Bodily Injury
- 40 K Uninsured Motorists Property Damage
American Family Insurance, Champaign, IL
$564/12 months
Car Insurance Policy Holder
- Married 36 Years old Male licensed 4 years ago with Financed Ford, Edge SEL, 4 Door 2WD Utility used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
- Vocational & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $300K (Per Person Bodily Injury) / $300K (Per Accident Bodily Injury)
- 15 K Property Damage
- 500 K Personal Injury Protection
- 20 K Uninsured Motorists Bodily Injury
- 40 K Uninsured Motorists Property Damage
Champaign Car Insurance Rate Comparisons
Champaign, IL's average car insurance of $869 differs from Sidney, IL (+$841), Somer, IL (+$711), St. Joseph, IL (+$651) and Illinois (+$453)
| Champaign | Sidney, IL | Somer, IL | St. Joseph, IL | Illinois | |
| Median Insurance Rates | $869 | +$841 | +$711 | +$651 | +$453 |
Champaign Car Insurance Savings By Neighborhood & Street Area
| Champaign Driver Street Residence & Car Locations | Car Details in Champaign | Champaign Driver Demographics | Champaign Auto Insurance Estimates | Recent Champaign Insurance Savings |
|---|---|---|---|---|
| Wilbur Heights | ||||
| Hedge Ct | 2008 Mazda MAZDA3 i Sport | 45 year married woman | $667 | $584 |
| Thomas Dr | 2008 Ford Fusion I4 SE | 62 year male senior | $1100 | $816 |
| Kenwood | ||||
| Sadler Dr | 2007 Buick LaCrosse CXS | 17 year male teenager | $2692 | $548 |
| Mulberry Ct | 2006 Chrysler 300 C | 34 year woman | $692 | $469 |
| Other Area | ||||
| Flora Ct | 2008 Cadillac DTS | 36 year married man | $1457 | $356 |
| N Country Fair Dr | 2008 Jeep Liberty Sport | 17 year teenager | $2335 | $795 |
| Rising | ||||
| Katie Lynn Dr | 2013 Volkswagen Jetta S | 51 year man | $1362 | $936 |
| Clearwater Dr | 2009 Audi A4 2.0T | 82 year female senior | $1333 | $646 |
| Staley | ||||
| Blackhawk Pt | 2013 Honda Civic LX | 74 year senior | $1013 | $597 |
| Prairiewest Dr | 2012 Lincoln MKZ Base | 16 year female teenager | $2689 | $524 |
Champaign Post DUI Car Insurance Rates
| Champaign | Sidney | White Heath | Philo | Illinois | |
| Median Post DUI Insurance Rate | $1616 | +$1564 | +$1769 | +$1211 | +$842 |
| Male Teenager Post DUI Insurance Rate | $6059 | +$5867 | +$6635 | +$4543 | +$3161 |
| Female Teenager Post DUI Insurance Rate | $5107 | +$4942 | +$5589 | +$3826 | +$2662 |
The Post DUI insurance in Champaign, IL's is $1616 compared to Sidney (+$1564), White Heath (+$1769), Philo (+$1211) and Illinois (+$842)
In Champaign, a male teenager with Post DUI pays $952 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2007 Buick LaCrosse CXS in Champaign, IL would pay $5007 on auto insurance while a female teenager POST DUI would pay $4218.
Champaign Car Insurance by Segment
Champaign Teenagers Car Insurance Rates Comparison
10577 Champaign Teenagers (13% of total population), 56% Male & 44% Female.
| Champaign | Bondville | Somer | Sangamon | Illinois | |
| All Teenagers | $2980 | +$3331 | +$2439 | +$1067 | +$1554 |
| Male Teenager | $3258 | +$3642 | +$2667 | +$1167 | +$1699 |
| Female Teenager | $2746 | +$3068 | +$2246 | +$982 | +$1431 |
Champaign teenagers pay $2980 in insurance in contrast with Bondville (+$3331), Somer (+$2439), Sangamon (+$1067) and Illinois (+$1554). The difference between Male & Female teenagers in Champaign is $512
Example
- 2013 Nissan Rogue SV w/SL Package Male Teenager Insurance Rate $2936
- 2014 Toyota Prius Two Female Teenager Insurance Rate $2354
Champaign Men & Women Car Insurance
81083 Champaign Adults (100% of total population), 51% Men & 49% Women.
| Champaign | Cunningham | Champaign County | Philo | Illinois | |
| All Women | $816 | +$688 | +$697 | +$612 | +$426 |
| Married Women | $764 | +$644 | +$652 | +$573 | +$399 |
| All Men | $1512 | +$1272 | +$1289 | +$1132 | +$788 |
| Married Men | $1312 | +$1104 | +$1119 | +$983 | +$684 |
The typical insurance rate of $1512 that Champaign Men pay varies from Cunningham (+$1272), Champaign County (+$1289), Philo (+$1132) and Illinois (+$788). In Champaign, married men pay $548 more than married women.
Example
- 2005 Chevrolet Silverado 2500HD Work Truck Married Men Insurance Rate $1094
- 2013 Dodge Journey Crew Married Women Insurance Rate $1153
Champaign Senior Car Insurance
9597 Champaign Seniors (11% of total population), 44% Senior Men & 56% Senior Women.
| Champaign | White Heath | Sidney | St. Joseph | Illinois | |
| All Seniors | $1233 | +$1351 | +$1195 | +$925 | +$644 |
| Senior Men | $1260 | +$1379 | +$1219 | +$944 | +$656 |
| Senior Women | $1225 | +$1341 | +$1186 | +$918 | +$639 |
Champaign seniors pay $1233 in insurance compared to White Heath (+$1351), Sidney (+$1195), St. Joseph (+$925) and Illinois (+$644). In Champaign, senior men pay $35 more than senior women.
Champaign Car Insurance Discounts for Multiple Vehicles
Champaign Population with 1 Vehicle 13740 (43% of Champaign population), 2 Vehicles 10705 (33% of the Champaign population) and 3 vehicles 2784 (9% of the population)
| Champaign | Urbana | Sangamon | St. Joseph | Illinois | |
| 2 Vehicles | $1652 | -$4 | +$590 | +$1236 | +$860 |
| 3 Vehicles | $2521 | -$6 | +$901 | +$1887 | +$1313 |
| 4 Vehicles | $3390 | -$8 | +$1212 | +$2538 | +$1766 |
Car Insurance Agents in Champaign, IL
| Rank | Agent Name | Agent Contact |
|---|---|---|
| 1 | AAA Insurance | 1610 S Neil St, Champaign, IL 61820 |
| 2 | Allsure Services | 701 Devonshire Dr Ste 203b, Champaign, IL 61820 |
| 3 | Behnke & Company | One E Main Street, Champaign, IL 61820 |
| 4 | Brad L Shipp | 602 N Country Fair Dr Ste B, Champaign, IL 61821 |
| 5 | Bret Kroencke | 1207 S Mattis Ave Ste 2, Champaign, IL 61821 |
| 6 | Brian Lowry | 801 N Country Fair Dr Ste C, Champaign, IL 61821 |
| 7 | Brya Insurance Agency | 2002 S Neil St, Champaign, IL 61820 |
| 8 | Bud Myers Insurance | 211 W Springfield Ave, Champaign, IL 61820 |
| 9 | Cathy Hall & Associates | 711 S Neil St, Champaign, IL 61820 |
| 10 | Champaign General Agency | 44 E Main St Ste 210, Champaign, IL 61820 |
Champaign Auto Insurance Rates Vary by Deductible
| Low Deductible ($500) | High Deductible ($1000) | |||||
|---|---|---|---|---|---|---|
| Make & Model | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Lincoln, MKX | $700 | $870 | $1370 | $830 | $1530 | $-160 |
| Chrysler, 300 | $400 | $930 | $1330 | $850 | $1250 | $80 |
| Lexus, RX 350 | $500 | $860 | $1360 | $800 | $1300 | $60 |
| Ford, Transit Connect XLT Premium | $100 | $910 | $1010 | $850 | $950 | $60 |
| Ford, Expedition EL King Ranch | $1000 | $870 | $1370 | $810 | $1810 | $-440 |